You need health cover regardless of what you take two at a time - pills or stairs.
Tata AIG Wellsurance Executive Health Insurance Plan
Wellsurance Executive is a combination of health insurance and wellness programme (offers discounts at select gyms, spas, skin care and weight management centers). The policy provides coverage for critical illnesses, hospitalisation and surgical expenses, cash benefit and recuperation benefit among others. The fixed benefit policy comes in three variants- Classic, Supreme and Elite. Classic is the lowest variant offering low sum insured.
Features & Benefits of Tata AIG Wellsurance Executive:
The salient features of the policy are listed in the table below
18 to 65 years. This policy can be bought as an add-on to
basic health insurance
Policy is life-long renewable, provided renewal premium has been received in full before the realisation of the premium.
The renewal premium for the policy will not change unless premium is revised and subsequently approved by IRDA.
Grace period of 30 days for renewing the policy.
Any claim during break-in period will not be payable
No additional loading on policy premium at renewal
Survival period of 30 days for all critical ailment benefits
90 day waiting period for critical ailment benefits
No waiting period for accident related hospitalization benefits
120 day waiting period for major surgeries
Waiting period of 90 days for minor surgery benefits
Fixed amount on the occurrence of a covered event
Level and age band wise premium on an annual or monthly basis
Critical Illness benefits are available on diagnosis of specified ailments without hospitalisation of the insured. In case of hospitalisation, it can be converted into cashless claim facility.
Hospitalisation benefits including major and minor surgeries as per the limits specified
Hospital cash benefits are payable based on the number of days the insured is hospitalized.
Convalescence benefit is paid in lumpsum after every continuous hospitalisation of 5 days
Value added benefits include expert medical practitioners, personalized health tracker, exclusive wellness articles
Discounts on select gyms, spas and weights management centers
Discounts on select health check up packages at network hospitals
Get tax benefit for premium paid as per section 80D of the Income Tax Act
First 90 days of hospitalisation
Critical illness benefit not paid more than once
Hospitalisation outside India
Pregnancy and related conditions
Diseases existing at birth (congenital)
Non-allopathic treatments like Ayurveda, naturopathy or homeopathy
War, invasion and people serving in military or armed forces
Toxic or radioactive contamination
Injuries due to dangerous activity
Obesity related treatments
Cost of spectacles, hearing aids, crutches, and wheelchairs among others
Abuse of drugs, alcohol
HIV / AIDS and related conditions
Some of the key benefits offered by the policy and its three variants are listed in the table below
Diagnosed Critical Illness
Rs. 50 per day
Rs. 1,000 per day
Rs. 1,250 per day
Rs. 3,000 per day
Rs. 4,500 per day
Rs. 6,000 per day
Other Health Insurance Plans from Tata AIG
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.
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